eBiz A G2B Platform for Government of...

eBiz – A G2B Platform for Government of India

User Manual

RBI - Submission of FC-TRS

eBiz – User Manual for ESIC Service

Page2 of 46

TABLE OF CONTENTS

1 INTRODUCTION ................................................................................................................................... 3

1.1 SUBMISSION OF FC-TRS ......................................................................................................................................... 3

2 USERS .................................................................................................................................................. 5

3 APPLICANT ACTIVITIES ..................................................................................................................... 6

3.1 PREREQUISITES FOR FILLING THE APPLICATION ............................................................................................................ 6 3.1.1 Digital signature ................................................................................................................................................ 6 3.1.2 In case of online payment ................................................................................................................................ 6 3.1.3 In case of offline payment ................................................................................................................................ 6 3.2 INFORMATION TO BE KEPT READY BEFORE FILING APPLICATION ...................................................................................... 6 3.2.1 Submission of FC-TRS with RBI: ........................................................................................................................ 6 3.3 APPLICANT REGISTRATION ON EBIZ PORTAL .............................................................................................................. 7 3.3.1 Steps for Individual Registration ...................................................................................................................... 7 3.3.2 Steps for Business Registration ...................................................................................................................... 11

4 STEPS FOR SUBMISSION OF FC-TRS TO RBI................................................................................ 14

5 STEPS FOR ONLINE PAYMENT ....................................................................................................... 20

6 STEPS FOR OFFLINE PAYMENT...................................................................................................... 25

7 PROCESSING OF THE APPLICATION – APPROVAL OR REJECTION .......................................... 27

7.1 PROCESS FLOW FOR APPROVAL OR REJECTION OF APPLICATION ................................................................................... 27 7.2 STEPS TO PROCESS THE APPLICATION FOR APPROVAL / REJECTION ................................................................................ 28

8 PROCESSING OF THE APPLICATION – COMPOUNDING ADVISORY .......................................... 34

8.1 PROCESS FLOW FOR ISSUING COMPOUNDING ADVISORY ............................................................................................ 34 8.2 STEPS FOR ISSUE COMPOUNDING ADVISORY ............................................................................................................. 35

9 PROCESSING OF THE APPLICATION – RAISE OBJECTION MEMO ............................................. 38

9.1 PROCESS FLOW FOR OBJECTION MEMO ................................................................................................................... 38 9.2 STEPS TO RAISE OBJECTION MEMO ......................................................................................................................... 39 9.3 RESUBMISSION BY APPLICANT ............................................................................................................................... 41

10 CONTACT US ..................................................................................................................................... 45


Page3 of 46

1 Introduction

Department of Industrial Policy and Promotion (DIPP), Government of India has envisioned eBiz Project to create a one-stop-shop of convenient and efficient online G2B services to the business community. This objective will be attained by reducing the complexity in obtaining information and services related to starting businesses in India, and in dealing with licenses and permits across the business life-cycle.

This document is intended to serve as a User Guide for eBiz application and present an overview of the online application system explaining the concepts and functionality of the same.

1.1 Submission of FC-TRS

Foreign investors can invest in Indian companies by purchasing / acquiring existing shares from Indian shareholders or from other non-resident shareholders. General permission has been granted to non-residents / NRIs for acquisition of shares by way of transfer in the following manner.

1. Transfer of shares by a Person resident outside India a. Non Resident to Non-Resident (Sale / Gift)

Note: Transfer of shares from or by erstwhile OCBs would require prior approval of the Reserve Bank of India.

b. NRI to NRI (Sale / Gift) c. Non Resident to Resident(Sale / Gift)

Note: Transfer of shares from a Non Resident to Resident other than under SEBI regulations and where the FEMA pricing guidelines are not met would require the prior approval of the Reserve Bank of India.

2. Transfer of shares/convertible debentures from Resident to Person Resident outside India

3. Transfer of Shares by Resident which requires Government approval

4. Prior permission of the Reserve Bank in certain cases for acquisition / transfer of security

5. Escrow account for transfer of shares

Reporting of FDI for Transfer of shares route

i. The actual inflows and outflows on account of such transfer of shares shall be reported by the AD branch in the R-returns in the normal course.

ii. Reporting of transfer of shares between residents and non-residents and vice- versa is to be made in Form FC-TRS. The Form FC-TRS should be submitted to the AD Category – I bank, within 60 days from the date of receipt of the amount of consideration. The onus of submission of the Form FC-TRS within the given timeframe would be on the transferor / transferee, resident in India.

iii. The sale consideration in respect of equity instruments purchased by a person resident outside India, remitted into India through normal banking channels, shall be subjected to a KYC check (Annex 9-ii) by the remittance receiving AD Category – I bank at the time of receipt of funds. In case, the remittance receiving AD Category – I bank is different from the AD Category - I bank


Page4 of 46

handling the transfer transaction, the KYC check should be carried out by the remittance receiving bank and the KYC report be submitted by the customer to the AD Category – I bank carrying out the transaction along with the Form FC-TRS.

iv. The AD bank should scrutinize the transactions and on being satisfied about the transactions should certify the form FC-TRS as being in order.

v. The transferee/his duly appointed agent should approach the investee company to record the transfer in their books along with the certificate in the Form FC-TRS from the AD branch that the remittances have been received by the transferor/payment has been made by the transferee. On receipt of the certificate from the AD, the company may record the transfer in its books.

In case of transfer of shares by way of sale from resident to non-resident/ non-resident to resident, the resident transferor / transferee / Investee Company/ NRI transferor / Non Resident transferor should file FC-TRS within 60 days from receipt of funds

Figure 2: Timelines for Reporting FC-TRS

In terms of Section 2 (ze) of Foreign Exchange Management Act, 1999 "Transfer" includes sale, purchase, exchange, mortgage, pledge, gift, loan or any other form of transfer of right, title, possession or lien.

Please click on the link “Master Circular for Foreign Investment in India” for further information on Foreign Investments in India issued by RBI

Payment Details:- There are no payments to be made to RBI for submission of FC-TRS. Applicant is required to pay a nominal eBiz transaction fee (Rs.30/-) while submitting the application form online through eBiz portal.

Invocation Frequency:-

Applicant can apply for Submission of FC-TRS at any time of the year.

http://rbidocs.rbi.org.in/rdocs/notification/PDFs/15MF010712FLS.pdf


Page5 of 46

2 Users

The following are users and their roles in eBiz application:

Users Responsibilities

Business User Register on eBiz portal

Submit application

Make Payment

Provide clarification sought by the department

View status updates sent by department

AD Bank User Process the application

Forward to RBI RO

Raise objection if required

Update status

Issue certificate

Department User Process the application

Raise objection if required

Provide approval

Update status


Page6 of 46

3 Applicant Activities

3.1 Prerequisites for filling the application

3.1.1 Digital signature Digital signature is required for the authenticity of the filled application. The user who wants to apply for any service for RBI through eBiz portal must have a valid digital signature. After filling the application form the user needs to apply the digital signature on the application form. An application will be considered invalid if it will not be digitally signed.

In case of you need to know that ‘How to procure for digital signature’. Kindly refer the links given below.

https://onlinetenders.co.in/Digital_Certficate_Procedure.pdf

http://www.digitalsignatureindia.com/

3.1.2 In case of online payment The user needs to have an Account with Central Bank of India for the payment of service fee.

3.1.3 In case of offline payment The user has to go to the nearest branch of Central Bank of India along with the print out of the Challan/Receipt which he gets while filling the online application and deposit the required amount in the bank.

3.2 Information to be kept ready before filing application

3.2.1 Submission of FC-TRS with RBI:

PAN of the Indian company

Details of the Indian company – name, address, contact details

Main business activity as per NIC 2008 series

Investment under approval or automatic route and its details

Nature of transaction

Buyer details – name, address, contact details, constitution, date and place of incorporation

Seller details – name, address, contact details, constitution, date and place of incorporation

Earlier FIPB / RBI approval if any

Details regarding shares / compulsorily and mandatorily convertible preference shares (CMCPS) / compulsorily and mandatorily convertible debentures/ others (such as FDI compliant instruments like participating interest rights in oil fields, etc.) to be transferred – mode of transfer, type of security transferred

Details where the equity shares / CMCPS / CMCDS / others are listed on Stock Exchange

https://onlinetenders.co.in/Digital_Certficate_Procedure.pdf

http://www.digitalsignatureindia.com/


Page7 of 46

Details of foreign investment in the company before and after the transfer Certificate indicating fair value of shares from a Chartered Accountant / SEBI registered

Category I Merchant Banker. Copy of Broker's note if sale/ purchase is made on Stock Exchange. Declaration from the NR buyer to the effect that he is eligible to acquire shares / compulsorily

and mandatorily convertible preference shares / debentures/others under FDI policy and the existing sectoral limits and conditionality (such as minimum capitalization norms, etc) and Pricing Guidelines have been complied with

Declaration from the FII/sub account to the effect that the individual FII / Sub account ceiling as prescribed has not been breached

Extracts of Share Purchase Agreement (SPA) containing: o Name of the buyer and seller o Name of the investee company o No. of shares to be transferred o Price at which they are transferred o Mode of transfer o Date of transfer o Any other relevant information

If the sellers are NRIs/ erstwhile OCBs, the copies of RBI approvals, if applicable, evidencing the shares held by them on repatriation/non-repatriation basis

No Objection/Tax Clearance Certificate from Income Tax Authority/ Chartered Accountant

Approval letter from RBI / FIPB

Power of attorney (if signatory is agent)

3.3 Applicant Registration on eBiz Portal In order to use any of the service through eBiz portal a valid credential is required. To get the credential one has to register on the ebiz portal. There are two kinds of registration a user has to do on the eBiz portal as

1. Individual 2. Business

3.3.1 Steps for Individual Registration

1. On the eBiz portal homepage (https://www.ebiz.gov.in/home), click on the New User ‘Register’ button.


Page8 of 46

2. Click on the ‘Continue’ Button in Individual Member Registration section.

3. Enter your details to create your individual membership. Fields marked with * are mandatory.


Page9 of 46

4. Choose ‘User id’ and ‘Password’ using the directions provided. Click on the ‘Check Availability’ button to choose the available user name. Click on ‘Next’ button. Fields marked with * are mandatory. Please make a note of your user name and password for the future use.


Page10 of 46

5. Enter the letters given in the image. Click on ‘Reload’ button to get the new image if current image is not working. Click on the ‘check box’ to accept the term & condition. Click on ‘Submit’ button.

6. Click on ‘Ok’ button on the confirmation page for Successfully Registration.


Page11 of 46

3.3.2 Steps for Business Registration

1. On the eBiz portal homepage (https://www.ebiz.gov.in/home), click on the New User or Business ‘Register’ button.

2. Enter your ‘User Id’ and ‘Password’ which you have created while registering as individual and click on ‘Login’ button to create a Business Membership.

3. Enter the details of your organization and click on ‘Next’ button.


Page12 of 46

4. Click on the ‘check box’ for digital signature. Enter the letters given in the image. Click on the ‘check box’ to accept the terms & conditions. Click on ‘Submit’ button.


Page13 of 46

5. Click on ‘Ok’ button on the confirmation page for Successfully Registration


Page14 of 46

4 Steps for Submission of FC-TRS to RBI

1. User opens the ebiz portal http://ebiz.gov.in/home and enters credentials if already registered as a member. If user is not a registered member, then user gets registered on eBiz portal.

2. Click on ‘Services’ tab and click on ‘Reporting of FC-TRS’ in ‘Pan-India Services’ category.

http://ebiz.gov.in/home


Page15 of 46

3. If user is applying for the first time, click on first button under “Download Forms” section to download an empty form as shown in the figure below. Else, user clicks on second download button besides the highlighted one to download a prefilled form. User can edit the prefilled information in the form.

4. User fills the form on their local machine and saves it. The instruction manual to fill the form can be downloaded from the “download forms” section as highlighted in the figure below.


Page16 of 46

5. To upload the filled form, user clicks on ‘My Account’ tab ‘Upload and Submit forms’ (on left hand side) followed by ‘Submit forms’ (on right hand side top corner). User selects appropriate data for “Region”, “Service Name”, and “Organization Name” from the respective drop downs, browses the form and selected the appropriate file. User clicks on “Upload” button to upload the form.


Page17 of 46

6. On successful upload of the form, user is displayed the respective License and eBiz Service fee

on the Confirm Invoice screen. User will enter their Name and Address under the billing

information section to proceed with payment.

7. On clicking “proceed” button, user is taken to the payment gateway page. Select from the

dropdown the payment mode and choose your bank and click on pay. As of now, only Central

Bank of India is available as option.

Please refer to section on “Steps for online payment” or “Steps for offline payment” to view the

steps required for payment.


Page18 of 46

8. User can check the status of the submitted application by selecting status in the left menu, just

below the My Account option.

9. In case the application status is changed to – “initial payment pending”, the payment processing has halted abruptly. Please click on the status link and proceed with the payment. The status will change to “submitted” after payment is processed.

10. To view the history of the application, user can click on “Status” option in left menu and then

click on application number link. This provides the audit trail of that application.


Page19 of 46

11. Under Audit Trail, on clicking on the “View Comments” link, the applicant will be able to view

the Payment Details and Comments.


Page20 of 46

5 Steps for Online Payment

1. After upload and submit of form, user will be asked to proceed to payment. “Payment Gateway

Page” will be displayed in to the right panel. User will have to “Select the payment mode” and

“Select the Bank” and click on “Pay” button.

2. “Pop Up” message will be displayed to the user for redirecting to the bank site.


Page21 of 46

3. User will have to click on “Personal” button.

4. Ebiz Payment gateway page will be displayed


Page22 of 46

5. User has to enter his credential i.e. “User Name” and “Password” for making the online

payment on the “EBIZ PAYMENT GATEWAY”.

6. “Payment confirmation” page will be displayed. User will click on “Confirm” Button.


Page23 of 46

7. Click on “Return to Ebiz” link for returning to Ebiz portal again. User can also “Save” or “Print”

the below receipt for the future reference.

8. Click on “Return to Ebiz” link. User will be redirected to Ebiz Portal.


Page24 of 46

9. Online Payment Solution Process Completed and the User will be able to see eBiz Payment

Receipt.

User can see the same under ‘Payment History’ tab on the left hand side of the eBiz page.


Page25 of 46

6 Steps for Offline Payment

1. “Payment Gateway Page” will be displayed. User will have to “Select the payment mode”-

offline- and “Select the Bank” and click on “Pay” button.

2. User will be redirect to ‘eBiz Payment Acknowledgement Receipt’ page.


Page26 of 46

3. User can take the print out of challan and ‘eBiz Payment Acknowledgement receipt’ by clicking

on the link ‘View and Print Challans’ or by clicking in the print button. The print out of the

challan and ‘eBiz Payment Acknowledgement receipt’ will be required once user will visit

branch of Central Bank of India for clearance of the due payment.

4. Once the payment is made at Central Bank Branch, the offline payment process will be

completed. User can verify the status of his application by clicking on the payment history link

from the left panel. Use the ‘Refresh’ button to get the latest status of the application.


Page27 of 46

7 Processing of the Application – Approval or Rejection

7.1 Process Flow for approval or rejection of application Central – RBI – FC - TRS – Form Submission & Processing for approval

Cent

ral O

ffic

eA

ppro

ver

Chec

ker

Mak

erA

D B

ank

Use

rB

usin

ess

Use

rPa

ymen

t G

atew

ayB

PM E

ngin

eeB

iz p

orta

l

3.1.1.1 Fills Form and

adds attachments

Start

3.1.1.14Are Documents as per

Guidelines? (SCR-4)

3.1.1.15aProvide approval


Guidelines? (SCR-6)

3.1.1.22File with

Comments (SCR-8)

Yes

Yes

Yes

3.1.1.23Return File with Comments (SCR-

8)

No

No


Guidelines? (SCR-7)

3.1.1.8bReceive & store

data for Reporting

End

3.1.1.16Send to Authorizer?

(SCR-5)

No

Yes

C

3.1.1.13Submits Report with

attachments

3.1.1.8aSend Reporting data to

Central office

3.1.1.2Selects the AD Bank

and the Branch office of the AD Bank

3.1.1.3aPay eBiz Transaction

Fee

3.1.1.12Enter comments and

Select RBI Regional office from list

3.1.1.6Are documents submitted

as per the guidelines (SCR 1)

3.1.1.7aIssue certificate

(SCR 2A)

3.1.1.7bReceives certificate

Yes

3.1.1.3bProcess Payment

System Activity Manual Activity

3.1.1.19aReceive approval /

rejection(SCR 9A)

End

Yes

3.1.1.9Reject the application

(SCR-2B)

3.1.1.8bReceives rejection

No

3.1.1.21Issue rejection / objection memo

No

3.1.1.4Is the date of submission of form and date of transfer of

shares beyond 60 days

3.1.1.5Show a flag to the AD Bank

user

Yes

No

3.1.1.20Provide approval

with compounding advisory

No

B

A

3.1.1.10Raise objection memo

No

D

E

3.1.1.11Forward to RBI

(SCR-3)

No

Reporting platform

3.1.1.15bReject the application

3.1.1.19bIs it approval?

Yes - approval

No - rejection


Page28 of 46

7.2 Steps to process the application for approval / rejection

1. AD Bank user opens the department portal and enters credentials.

2. User is able to view their inbox. The application submitted by applicant is visible under work

items.

3. User can click on the Payment details link to view the payment details related to the application.


Page29 of 46

4. User can click on the “attachments” link to view the application form submitted by the

applicant.

5. AD Bank user clicks on “Action by AD Bank” link under Actions. If the application is in order, AD

Bank can select the option to issue certificate. If it is a case where filing of FC-TRS is not

applicable, they can select the option to reject the application (move to step 7).


Page30 of 46

6. If the form is in order and AD bank user has selected an option to issue certificate, they receive a task to “issue certificate”. The certificate is uploaded on the portal and sent to the applicant. The applicant receives the same.

7. If AD Bank selects the option to reject the application, they receive a task to “Add rejection comments”. AD Bank enters rejections comments.

8. If the form is submitted beyond the stipulated 60 days, AD Bank may forward the application to RBI RO for regularization.


Page31 of 46

9. AD Bank receives a task to “Forward to RBI”. AD Bank selects the RBI RO and enters comments.

10. RBI RO Maker logs in the department portal to view their inbox. Application submitted by AD

Bank is visible under work items.

11. Maker receives the activity to “Verify Application”. Maker will verify application and attached

documents under “Attachments” section.

12. Maker clicks on “Verify Application” to enter comments and select action.


Page32 of 46

13. Maker selects any of the options shown in the above screen. If maker selects options to provide approval or rejection, move to next step. If maker selects option to raise objection memo, move to section on the same. If maker selects option to issue compounding advisory, move to next section.

14. Maker can enter comments and click on next. Maker will receive a task to forward the application.

15. Checker receives a task to “Verify application”. Checker can either forward to authorizer or send the file back with comments.


Page33 of 46

16. Authorizer receives an activity with action link “Verify application”. Authorizer verifies application and if application is in order approves the application to be forwarded to AD Bank or sends back the file to maker with comments. All the notes given by the previous users are visible under “Notes” section in “Work Item Detail”.

17. AD Bank receives the approval or rejection forwarded by the RBI RO. Based on the action recommended by RBI RO, AD Bank selects the required action. If AD Bank selects option – issue certificate, move to step 6.If AD Bank selects option – reject application, move to step 7.


Page34 of 46

8 Processing of the Application – Compounding Advisory

8.1 Process Flow for issuing compounding advisory

Central – RBI – FC - TRS – Processing for compounding advisory

Cen

tral

Off

ice

Ap

pro

ver

Ch

ecke

rM

aker

AD

Ban

k U

ser

Bu

sin

ess

Use

rB

PM

En

gin

eeB

iz p

ort

al


Guidelines? (SCR-6)

3.1.2.14File with

Comments (SCR-4)

Yes

Yes

Yes

3.1.2.15Return File with Comments (SCR-

4)

No

No


Guidelines? (SCR-7)

3.1.2.13bReceive & store

data for Reporting End

3.1.2.7bReceive compounding

advisory

3.1.2.7aForward letter

3.1.2.2Send to Authorizer?

(SCR-5)

No

Yes

C

3.1.2.13aSend Reporting data to

Central office

End

System Activity Manual Activity

3.1.2.5Receive compounding

advisory (SCR 9A)

3.1.2.6Issue compounding advisory (SCR 9B)

A

3.1.2.1Provide approval with

guidance to issue compounding advisory

3.1.2.8Submit documentary

evidence for compounding

3.1.2.9aForward evidence

3.1.2.9bReceive evidence

(SCR-9C)

3.1.2.10Issue certificate

(SCR 2A)

3.1.2.11Forward certificate

3.1.2.12Receive certificate

Reporting platform


Page35 of 46

8.2 Steps for issuing compounding advisory

1. If the application does not conform to guidelines, RBI can issue approval with notification to AD Bank to raise a compounding advisory. Maker will select the option to provide approval and raise compounding advisory in the activity “Verify Application”

2. Maker can enter comments and click on next. Maker will receive a task to forward the application.

3. Checker receives a task to “Verify application”. Checker can either forward to authorizer or send the file back with comments.


Page36 of 46

4. Authorizer receives an activity with action link “Verify application”. Authorizer verifies application and if application is in order approves the application to be forwarded to AD Bank or sends back the file to maker with comments. All the notes given by the previous users are visible under “Notes” section in “Work Item Detail”.

5. AD Bank receives the approval or rejection forwarded by the RBI RO. Based on the action recommended by RBI RO, AD Bank selects the required action.


Page37 of 46

6. AD Bank receives an activity to “Issue compounding notice” in their inbox. They can upload the letter and mention the date of letter.

7. Applicant completes the guidelines as mentioned in the compounding notice and submits documentary evidence on the portal.

8. AD Bank receives the documentary evidence with respect to filing of compounding application from applicant. User clicks on “verify compounding closure” activity and views the letter sent by applicant. AD Bank user issues certificate. Move to step 6.


Page38 of 46

9 Processing of the Application – Raise Objection Memo

9.1 Process Flow for objection memo

Central – RBI – FC - TRS – Objection Memo Processing

Ch

ecke

r/A

uth

ori

zer

Mak

ereB

iz P

ort

alB

usi

nes

s U

ser

BP

M E

ngi

ne

AD

Ban

k u

ser

YesNo

3.1.3.5Return File with

Comments (SCR-9)

B

3.1.3.8bForward

Objection Memo

3.1.3.3Confirm and print

the Objection Memo (SCR-11A)

3.1.3.4Is Objection Memo in

order? (SCR-12A)C

3.1.3.9Receive

Objection Memo

3.1.3.10Re-Submit Report with attachments and clarifications

E

3.1.3.1Raise Objection Memo (SCR-10)

3.1.3.2Generate the

Objection Memo

3.1.3.6Sign the objection memo physically

3.1.3.7Scan and upload on

portal(SCR-12)

3.1.3.8aReceive and

forward Objection Memo

(SCR 13)

3.1.3.3Confirm and print

the Objection Memo (SCR-11A)

3.1.3.1Raise Objection Memo (SCR-10)

D

3.1.3.6/7Sign physically, scan

and upload the objection memo

(SCR-12)

3.1.3.4aSend to checker or

authorizer? (SCR-11B)


Page39 of 46

9.2 Steps to raise objection memo

1. AD Bank receives the application and scrutinizes it. AD Bank user receives an activity for “Action

by AD Bank”. If there are shortfalls, AD Bank selects the option to raise objection memo and

receives an activity to “Enter obj memo comments”. Move to step 3.

2. Maker can also choose to raise an objection memo if there are shortfalls in the application. They

receive an activity to “Enter obj memo comments”.


Page40 of 46

3. System will generate the objection memo in specified template in which the above comments

will be inserted. AD Bank user / Maker will print the same. The objection memo is visible under

the attachments section. For AD Bank user, move to step 6.

4. Maker will select to forward the objection memo to checker or authorizer.

5. Checker / authorizer will sign the objection memo. They can forward it to maker or send the file

back with comments.


Page41 of 46

6. Maker / AD Bank user will scan and upload the objection memo in the activity “Upload obj

memo”.

7. If maker is raising the objection memo, it will be forwarded to AD Bank and AD Bank can

forward it to applicant.

9.3 Resubmission by Applicant

1. If the AD Bank user or RBI RO user raises an objection memo, application will be redirected to the applicant for resubmission. The status will be changed to “Resubmission required”


Page42 of 46

2. On clicking the status, applicant can view objection memo sent by AD Bank / RBI RO.

3. Applicant can make the required changes in the form and save it. They will click on the

“Resubmit” button under comments. They can upload the revised form.


Page43 of 46

4. The status of the application will change to “Resubmission complete”


Page44 of 46


Page45 of 46

10 Contact Us

Call us: +91-9840631429 Email us: [email protected]

mailto:[email protected]


Page46 of 46

End of Document

eBiz A G2B Platform for Government of...

Documents

Transcript of eBiz A G2B Platform for Government of...